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Is pet insurance worth it?
Most vet visits are manageable. The ones that hurt are the ones you don’t see coming, such as emergency surgery, cancer or a condition that needs years of treatment. Use this quick checklist to see whether pet insurance is worth comparing for your pet.
Pick any that sound like you
My dog will eat anything, from socks and bones to toys and whatever is on the floor.
My pet’s breed is known for joint, spine, eye or breathing problems.
My dog goes to dog runs, void decks or busy walking spots where it could injure someone or damage property.
If my pet needed months of medication or treatment, I would want to go ahead without worrying about the full cost.
I would rather pay a fixed annual premium than risk one large, unplanned bill.
My pet is still young, and I want cover in place before health issues appear.
WORTH CHECKING OUT
Pet insurance is worth keeping on your radar, especially as your pet gets older.
WORTH CONSIDERING
A suitable plan could cover the bills most likely to come up for your pet.
GET COVERED SOON
A mid-tier plan would likely pay for itself on a single large claim.
Want to see how plans compare for your pet?
What does pet insurance cover?
Pet insurance reimburses eligible vet costs when your dog or cat falls ill or gets injured, in exchange for an annual premium. It is built for large, unexpected bills rather than routine care. The benefits of pet insurance cover surgery, hospitalisation, accidents and illness. Limits differ between plans, so check which applies to your pet below.
Surgery & Hospitalisation
Surgery and hospital stays
The core benefit on comprehensive plans. Covers eligible surgery, hospitalisation and related vet treatment.
Non-Surgical Treatment
Outpatient treatment for illness or accidents
The core benefit on comprehensive plans. Covers eligible surgery, hospitalisation and related vet treatment.
Cancer
Cancer treatment and chemotherapy
Some plans give cancer treatment and chemotherapy their own limit or sell it as an optional add-on. Others include it under general medical expenses, and some don’t cover it at all.
Hereditary Conditions
Specified hereditary and congenital conditions
Selected plans cover a named list of conditions, usually only if your pet is enrolled young and completes a waiting period.
Third-Party Liability
If your pet injures someone or damages property
Pays your legal liability up to the plan limit. This is more relevant for dog owners than cat owners.
Accidental death and theft
Accidental death and theft
Some plans pay a benefit if your pet dies in an accident or is stolen.
What pet insurance does not cover
Pre-existing conditions, illness that starts during the waiting period, vaccinations, sterilisation, flea control, grooming, routine dental care and breeding-related conditions are generally excluded. Deductibles, co-insurance, per-incident and annual limits also apply, so read the full policy wording, not just the maximum claim amount.
What should you know before buying pet insurance?
Pet insurance in Singapore does not cover every vet bill. Before comparing plans, know where you may still pay out of pocket.
You share part of the bill
Deductibles and co-insurance
Deductibles and co-insurance mean the plan may not pay the full amount.
Limits differ between plans
Separate limits per benefit
Surgical, non-surgical, chemotherapy and hereditary limits are often separate.
Waiting costs you options
Act before conditions appear
Conditions that appear before you buy are likely to be excluded, and new pets are generally accepted only up to age 9.
The highest overall limit does not make a plan the best one for your pet. Planner Bee clients most often start with surgery and hospitalisation cover, since these tend to be the largest vet bills in Singapore. That is a sensible starting point, but also compare the non-surgical, hereditary and liability limits against the bills your pet is most likely to run up.
Best pet insurance plans in Singapore (2026)
Find the plan that fits your dog or cat. We compared plans from CIMB, Income, Liberty, MSIG and Tiq by Etiqa. Start with our top picks below, then compare each insurer’s top plan side by side.
Best pet insurance plans by feature
Highest annual surgical limit
- Income Happy Tails Furrific (up to S$22K / year)
Highest annual non-surgical limit
- MSIG PawEasy PawPlay (up to S$5K / year for outpatient treatment)
For lifelong coverage
- Income Happy Tails Furry
- Income Happy Tails Furbulous
Income Happy Tails Furrific
For hereditary and congenital conditions
- Income Happy Tails Furry / Furbulous / Furrific (covers 6 specified conditions)
- Tiq by Etiqa Pawsome / Pawmazing / Pawtastic / Pawfect (covers 6 specified conditions)
- MSIG PawEasy PawPat / PawRun / PawPlay (covers 5 specified conditions)
No medical examination to purchase
- Liberty PetCare Adogable / Ameowing / Furtastic, Ultipaw / Pawsh
- MSIG PawEasy PawPat / PawRun / PawPlay
Tiq by Etiqa Pawsome / Pawmazing / Pawtastic / Pawfect
Side-by-side comparison of pet insurance plans for dogs and cats
The table shows the highest-tier plan from each insurer. If the top tier is more than your pet needs, or more than you want to spend, get a free quote and we’ll compare every tier for your pet.
| PLAN | HOSPITALISATION AND SURGERY | OUTPATIENT TREATMENT FOR ILLNESSES OR ACCIDENTS | CANCER TREATMENT AND ACCIDENTAL DEATH | THIRD-PARTY LIABILITY |
|---|
| CIMB My Paw Pal | Up to $1,500 / year (accidents only) With illness add-on: Up to $1,500 / year (accidents and illnesses combined) | Shares the $1,500 / year limit with hospitalisation and surgery | Cancer treatment or chemotherapy: Not covered Accidental death: $1,500 | Up to $250,000 |
| Income Happy Tails Furrific | $22,000 / year | $2,500 / accident only | Cancer treatment or chemotherapy: $5,000 / year Accidental death not covered
Separate final-expenses reimbursement: $2,500 / year | $1,000,000 / year |
| Liberty PetCare Pawsh | Illness surgery of up to $18,000 / incident | Illness: $5,000 / incident
Accident: $7,000 / incident | Cancer treatment or chemotherapy: Covered, no separate sublimit Accidental death: $8,000 | $500,000 / incident |
| MSIG PawEasy PawPlay | $20,000 / year | Optional cover: $5,000 / year | Cancer treatment or chemotherapy: $6,000 / pet lifetime (optional cover) Accidental death not covered
Separate final-expenses reimbursement: $400 | Optional cover: $500,000 |
| Tiq by Etiqa Pawfect | Illness surgery of $15,000 | Illness and accident: $3,500 each | Cancer treatment or chemotherapy: Covered, no separate sublimit Accidental death not covered
Separate final-expenses reimbursement: $500 | $500,000 |
Data accurate as of October 2026. All values are in Singapore dollars.
Important things to note:
- Breed exclusions: CIMB My Paw Pal does not cover certain dog breeds. See the full list in CIMB’s policy wording. Based on their latest eligibility terms, the other plans do not exclude specific breeds.
- Liability limits for specified dog breeds: On Liberty PetCare Ameowing, Furtastic, Ultipaw and Pawsh, third-party liability is capped at S$100,000 for the breeds named in the policy wording and their crosses. Liberty may also reject a liability claim if the dog was not leashed and muzzled in public.
- Optional and add-on cover: MSIG PawEasy outpatient, cancer and third-party liability benefits are optional covers at extra cost. CIMB My Paw Pal covers accidents only unless you add the illness add-on, and the S$1,500 limit is shared between hospitalisation and outpatient treatment.
- Accidental death and final expenses: CIMB and Liberty pay a lump sum if your pet dies in an accident. Income, MSIG and Tiq by Etiqa do not pay this benefit. Instead, they reimburse eligible final expenses such as cremation, up to the limits shown. Tiq by Etiqa Pawsome includes neither benefit.
A bigger limit doesn’t always mean a bigger payout
A plan with a high surgery limit won’t necessarily pay well for every condition. If your pet is more likely to need medication, scans or ongoing treatment without surgery, check the non-surgical limit too. If your pet’s breed is prone to certain hereditary conditions, check that the plan names them.
Found a few plans you like?
Compare them for your pet.
What would each plan pay for a real claim?
A plan’s limit tells you the most it will pay, not what you’ll actually get back. To show the difference, we took three vet bills shared by Singapore pet owners and worked out what a mid-tier plan from each insurer would pay.
How we worked it out
First, take off the deductible (the fixed amount you pay per claim). The plan then pays 80% of the rest, and you pay 20% (the co-insurance). The plan never pays more than its limit.
Case 1: Emergency surgery after a dog swallowed a needle (S$3,614.11)
A client’s dog swallowed a sewing needle at home and needed an X-ray and emergency surgery (full story on Reddit).
| PLAN | CLAIM LIMIT | DEDUCTIBLE + CO-INSURANCE | INSURER PAYS | YOUR OUT-OF-POCKET COST |
|---|
| CIMB My Paw Pal | $1,500 / year | $0 + 0% | $1,500.00 | $2,114.11 |
| Income Happy Tails Furbulous | $12,000 / year | $250 + 20% | $2,691.29 | $922.82 |
| Liberty PetCare Furtastic | $11,000 / incident | $0 + 20% | $2,891.29 | $722.82 |
| MSIG PawEasy PawRun | $10,000 / year | $200 + 20% | $2,731.29 | $882.82 |
| Tiq by Etiqa Pawtastic | $10,000 | $200 + 20% | $2,731.29 | $882.82 |
Data accurate as of October 2026. All values are in Singapore dollars.
Case 2: A dog hospitalised with pneumonia (about S$6,000)
A dog hospitalised with pneumonia ran up a bill of about S$6,000 (owner’s post on Reddit).
| PLAN | CLAIM LIMIT | DEDUCTIBLE + CO-INSURANCE | INSURER PAYS | YOUR OUT-OF-POCKET COST |
|---|
| CIMB My Paw Pal (with illness add-on) | $1,500 / year | $0 + 0% | $1,500.00 | $4,500.00 |
| Income Happy Tails Furbulous | $12,000 / year | $250 + 20% | $4,600.00 | $1,400.00 |
| Liberty PetCare Furtastic | $11,000 / incident | $0 + 20% | $4,800.00 | $1,200.00 |
| MSIG PawEasy PawRun | $10,000 / year | $200 + 20% | $4,640.00 | $1,360.00 |
| Tiq by Etiqa Pawtastic | $10,000 | $200 + 20% | $4,640.00 | $1,360.00 |
Data accurate as of October 2026. All values are in Singapore dollars.
Case 3: A cat’s urinary infection, surgery and hospitalisation (about S$20,000)
A cat developed a severe urinary infection that needed surgery and a hospital stay, with costs reaching about S$20,000 (shared on Reddit).
| PLAN | CLAIM LIMIT | DEDUCTIBLE + CO-INSURANCE | INSURER PAYS | YOUR OUT-OF-POCKET COST |
|---|
| CIMB My Paw Pal (with illness add-on) | $1,500 / year | $0 + 0% | $1,500.00 | $18,500.00 |
| Income Happy Tails Furbulous | $12,000 / year | $250 + 20% | $12,000.00 | $8,000.00 |
| Liberty PetCare Furtastic | $11,000 / incident | $0 + 20% | $11,000.00 | $9,000.00 |
| MSIG PawEasy PawRun | $10,000 / year | $200 + 20% | $10,000.00 | $10,000.00 |
| Tiq by Etiqa Pawtastic | $10,000 | $200 + 20% | $10,000.00 | $10,000.00 |
Would a top-tier plan have done better?
Here’s the same S$20,000 bill on each insurer’s highest-tier plan. CIMB isn’t included because it offers only one plan.
| PLAN | CLAIM LIMIT | DEDUCTIBLE + CO-INSURANCE | INSURER PAYS | YOUR OUT-OF-POCKET COST |
|---|
| Income Happy Tails Furrific | $22,000 / year | $250 + 20% | $15,800.00 | $4,200.00 |
| Liberty PetCare Pawsh | $18,000 / incident | $0 + 20% | $16,000.00 | $4,000.00 |
| MSIG PawEasy PawPlay | $20,000 / year | $200 + 20% | $15,840.00 | $4,160.00 |
| Tiq by Etiqa Pawfect | $15,000 | $200 + 20% | $15,000.00 | $5,000.00 |
These estimates assume the pet was insured at age 1, the claim is approved, and the whole bill is eligible. Bills in Cases 2 and 3 are the owners’ approximate figures. All values are in Singapore dollars. Data accurate as of October 2026.
What these bills show: For a bill of a few thousand dollars, the plan’s limit rarely matters. What you pay comes down to the deductible and co-insurance, which is why Liberty PetCare Furtastic, with no deductible, left the smallest bill in Case 1.
For a major illness, the limit matters most. On a S$20,000 bill, every mid-tier plan here reached its limit and left the owner with S$8,000 to S$18,500 to pay. On the top-tier plans, that dropped to about S$4,000 to S$5,000. If a bill that size would be hard to cover from savings, look at plans with limits of S$20,000 or more, and keep a pet fund for whatever the plan doesn’t pay.
Want to see what these plans would pay for your pet?
How much does pet insurance cost?
Wondering how much is pet insurance for your pet? What you pay depends on whether you have a dog or a cat, your pet’s breed and age, and the plan you choose. The tables below show sample annual premiums from our quotes alongside each plan’s hospitalisation benefits for accidents and illnesses, so you can see what each premium buys.
Dog insurance in Singapore
Dog premiums vary more than cat premiums because some breeds are more prone to joint, spine and breathing problems. These figures are for a 2-year-old Toy Poodle. If your dog’s breed is prone to hereditary conditions, expect to pay more.
| PLAN | ANNUAL PREMIUM | OUTPATIENT | INPATIENT / SURGICAL |
|---|
| Income Happy Tails Furbulous | $540.81 | $0 | $12,000.00 / year Chemo: $3,000.00 /year |
| Liberty PetCare Furtastic | $840.39 | $3,500.00 / incident | $3,500.00 / incident $11,000.00 / surgery Chemo: Shared limit |
| MSIG PawEasy PawRun | $813.69 (Without chemo cover: $782.08) | $300.00 / incident up to $3,000.00 / year | $3,000.00 / incident $10,000.00 / surgery Chemo: $6,000.00 / lifetime limit |
| Tiq by Etiqa Pawtastic | $670.20 | $2,500.00 / incident | $10,000.00 /incident Chemo: $0 |
Data accurate as of October 2026. All values are in Singapore dollars. Premiums and benefit limits shown do not take into account deductibles or co-insurance, which vary by plan and affect the amount payable on a claim.
Cat insurance in Singapore
Cats generally cost less to insure than dogs on the same plan. These figures are for a 2-year-old British Shorthair, and your cat’s premium may differ by breed and age.
| PLAN | ANNUAL PREMIUM | OUTPATIENT | INPATIENT / SURGICAL |
|---|
| Income Happy Tails Furbulous | $321.12 | $0 | $12,000.00 / year Chemo: $3,000.00 /year |
| Liberty PetCare Furtastic | $672.31 | $3,500.00 / incident | $3,500.00 / incident $11,000.00 / surgery Chemo: Shared limit |
| MSIG PawEasy PawRun | $296.98 (Without chemo cover: $265.37) | $300.00 / incident up to $3,000.00 / year | $3,000.00 / incident $10,000.00 / surgery Chemo: $6,000.00 / lifetime limit |
| Tiq by Etiqa Pawtastic | $397.62 | $2,500.00 / incident | $10,000.00 /incident Chemo: $0 |
Data accurate as of October 2026. All values are in Singapore dollars. Premiums and benefit limits shown do not take into account deductibles or co-insurance, which vary by plan and affect the amount payable on a claim.
What affects pet insurance costs?
Two pets on the same plan can pay very different premiums. These are the main factors.
Older pets cost more to insure
Premiums generally rise with age, and new pets are generally accepted only up to age 9.
Dogs usually cost more than cats
On the same plan, dog premiums are generally higher and vary more by breed.
Some breeds carry higher risk
Breeds prone to hereditary or congenital conditions may face higher premiums, exclusions or limits on certain benefits.
Higher limits cost more
Plans with higher medical limits and broader benefits cost more than accident-focused or entry-level cover.
You share part of each bill
You usually pay a fixed deductible and a percentage of the eligible bill. Plans that ask you to pay less per claim usually charge a higher premium.
Extra benefits add to the premium
Non-surgical treatment, chemotherapy or liability cover are optional on some plans and increase the premium.
What to look for if budget is a priority
Looking for affordable pet insurance? To keep your premium low, choose a plan with a higher deductible or co-insurance. No-claim discounts also bring your premium down over time. Liberty, Income and MSIG give you 5% off at renewal after one claim-free year, rising to 15% after three. Tiq by Etiqa goes up to 20% off after four claim-free years. CIMB My Paw Pal does not offer a no-claim discount. Making a claim may reduce or reset your discount, depending on the insurer.
Look beyond price
The cheapest plan for our sample pets may not be the cheapest for yours, since premiums change with species, breed and age. A lower premium can also mean lower limits, a higher deductible or fewer benefits, so compare what each plan would pay for the conditions your pet is most likely to face.
What happens as your pet gets older?
Most insurers only accept new pets up to age 9, so it’s easier to get covered while your pet is young. How long the cover lasts after that depends on the plan. Income Happy Tails is the only plan here that covers your pet for life.
This means cover can end just as vet bills start to rise. Building a pet fund alongside your policy helps. While your pet is insured, the fund covers routine care and your share of each claim. If the cover ends, it becomes your pet’s main safety net.
WHY US
Why compare with Planner Bee?
We help you compare suitable options side by side based on your budget and coverage needs. Our comparisons are independent, our advisors are MAS-licensed, and our service is free.
✓ Compare plans across 11+ insurers
✓ Help you understand payment terms, riders, coverage, and cash value
✓ Support you before, during, and after claims
✓ Provide personalised policy illustrations
✓ Give transparent, pressure-free recommendations with no hard selling
✓ No extra fees
How can you get your personalised pet insurance quote?
From your first quote to getting covered, Planner Bee makes the process simple and free, with no pressure.
Fill out a short form
Tell us your age, coverage amount and needs. This takes under 3 minutes.
We compare across insurers
Our system obtain quotes through MAS-licensed insurers and prepare a side-by-side breakdown for your profile.
Get your questions answered
A specialist goes through the options with you, explains the policy illustration, and answers anything you’re unsure about.
Apply and get covered
Once you’ve chosen an option, we help with the application and follow up with the insurer until your policy is active.
Ready to compare?
It’s free and there is no pressure to sign up.
Why should you trust Planner Bee?
Frequently asked questions
1. Is pet insurance worth it in Singapore?
It can help offset large vet bills from surgery, accidents, chronic illness and cancer treatment. Its value depends on your pet’s age, breed and medical history, and how large a bill you could comfortably pay from savings.
2. My pet is getting older. Can I still get insurance?
Yes, if your pet is 9 or younger. Income, Liberty, MSIG and Tiq by Etiqa accept new pets up to age 9, and CIMB up to age 7. Once insured, Income Happy Tails covers your pet for life, Liberty, MSIG and CIMB up to age 13, and Tiq by Etiqa up to age 9. If your pet is already over 9, none of the plans will accept a new application.
3. What are the major exclusions in a pet insurance policy?
Pre-existing conditions and illness during the waiting period are generally excluded. Vaccinations, sterilisation, flea control, routine dental care, grooming and breeding-related conditions are also commonly excluded.
4. Does pet insurance cover chemotherapy?
Some plans have a specific chemotherapy benefit with its own limit. On others, chemotherapy may fall under general medical expenses or be available as an optional add-on. Check the policy wording and benefit limit.
5. Does my pet need to be microchipped?
Most insurers require your pet to be microchipped, and the microchip number is usually requested when you apply. Dogs and cats in Singapore must also be licensed with AVS. Check your insurer’s requirements before applying.
6. Can I switch pet insurance later?
Yes, but a new insurer will assess your pet at its current age and health. Existing conditions may become pre-existing exclusions, and new waiting periods will apply, so switching later can reduce your options.
7. Is dog insurance more expensive than cat insurance?
Usually, yes. On the same plans, our quotes for a 2-year-old British Shorthair were about 20% to 66% cheaper than for 2-year-old Toy Poodle. Dog premiums also vary more by breed, as some breeds are prone to costly hereditary conditions.
Get a personalised pet insurance quote
Tell us about your pet and we will match you with suitable plans from all 5 insurers. A MAS-licensed adviser will follow up within one business day.
